these accounts from january 1, 2012 to january 1, 2014, that was done with the idea that president obama's health care legislation would go into effect and we would soon be in a regime where i think these issues will truly be mute, so i want to make that point because there is a little bit of confusion about what it is we were doing but from my perspective, what we did put in place provide a lot of requirements for businesses to fulfill in order to make sure that employees are receiving health insurance. that being said to chairman wiener's points, i do have a number of obvious changes to the findings that were recommended to us by the civil grand jury and i must preface this by saying, i respect what the grand jury said, really in part because i don't think the findings reflect the amendments we put into place at the end of last year, if i could start going through the findings one at a time, for finding number 1, about whether the jury could not identify any governmental investigation or any government investigation that reports the number of businesses and surcharges to pay for scho, i